Debt-to-Income Ratio Calculator
Work out your debt-to-income multiple and monthly repayment-to-income percentage, a key measure Australian lenders use to assess borrowing risk.
Your results
Calculation breakdown
- Debt-to-income
- $600,000.00 ÷ $120,000.00 = 5x
Assumptions
- Many Australian lenders treat a debt-to-income ratio of 6x or higher as high risk and apply extra scrutiny.
- Credit card limits are counted in full, not just the current balance, as this is common lender practice.
- This is a general guide only — individual lender policies vary significantly.
How this calculator works
Debt-to-income (DTI) ratio compares your total debt, including home loan, car loan, personal loans, credit card limits and other debt, against your gross annual income. Many Australian lenders flag a DTI of 6 times income or more as high risk.
Frequently asked questions
What counts as debt in this calculation?
Total limits or balances on your home loan, car loan, personal loans, credit cards and any other debt. Credit cards typically count their full limit, not just the current balance.
What DTI ratio is considered risky?
Many Australian lenders treat a debt-to-income ratio of 6 times income or higher as high risk and may apply extra scrutiny or decline finance.
Is this the same as my borrowing capacity?
No, this is a risk indicator lenders use alongside, not instead of, a full borrowing capacity assessment that considers expenses, interest rates and serviceability buffers.
Results are estimates only and are not financial, tax, legal or credit advice.